SBI Health Insurance

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Highlights

6,000+ Network Hospitals

7,56,443 Policies Issued

Lifelong Renewability

59.42% Claim Settlement Ratio

Dedicated Claim Settlement

Coronavirus (COVID-19) Cover

About SBI General Insurance

SBI General Insurance Company Limited started functioning in the year 2010 when it was a joint venture between State Bank of India and Insurance Australia Group (IAG). After the stake sale of IAG in the year 2020, the general insurance company is now a joint venture between SBI, Napean opportunities LLP, Honey Wheat investment limited, PI Opportunities Fund-1, and Axis New Opportunities AIF-I. The insurer offers a wide range of general insurance products in commercial space viz., health, home, travel, motor, and personal accident.   

Health insurance is one of the most promising products that the insurer deals in. SBI Health Insurance plans are designed in a way that they cover individuals and families against several healthcare expenses in the event of illness, sickness, disease, or accident. SBI Health Insurance plans are affordable and are accessible to all. The insurer has a vision of becoming India’s most trusted general insurer and strives to achieve the mission of providing simple and innovative general insurance solutions, be responsive to customers' requirements, and build a sustainable business for the future.   

How to Purchase SBI Health Insurance Policy at InsuranceDekho?

At InsuranceDekho, it is very easy to buy SBI Health Insurance plans online. You can choose to buy it in one of the two modes offered viz., Online and Offline.  

Buy SBI Health Insurance Plan Online At InsuranceDekho

Follow a few easy steps given below to buy SBI Health Insurance plans online: 

Step 1: Visit insurancedekho.com and click on the ‘health’ tab.
Step 2: Select your Gender. Enter your personal details such as Name and  Mobile Number. You will receive an OTP on the entered mobile number. Please enter that. 
Step 3: Answer ‘When do you want to buy the policy’ by selecting the most relevant answer from the drop-down menu. Click on the ‘View Quotes’ button. 
Step 4:  Select your family members who you wish to add to your health insurance policy. Click on the ‘Continue’ button. 
Step 5: Select the age of your family members. 
Step 6: Enter your Email ID and City. Click on the ‘Submit and View Quotes’ button. You will see the most suitable health insurance quotes on your screen. Shortlist the one you wish to buy. 
Step 7: Select the policy term for the chosen health insurance policy. Fill in the required details. Pay health insurance premium online. 

Buy SBI Health Insurance Plan Offline At InsuranceDekho

You can purchase SBI Health Insurance plans in the offline mode for which you will be required to share your health insurance requirements with our knowledgeable customer care executives on the toll-free number 7551-196-989. We are available all 7 days between 9:30 AM to 6:30 PM. 
You may even connect to us at customersupport@insurancedekho.com if you need any further assistance. 

Top SBI Health Insurance Plan Types

SBI Health Insurance offers various health insurance plans that fulfil varied requirements of individuals and families. Listed below are the top 5 health insurance plans offered by SBI Health Insurance: 

  1. SBI Arogya Plus Policy: SBI Arogya Plus Policy is an indemnity based health insurance policy that offers cover against medical expenses to individuals and families. You can be covered under this policy if you are aged between 3 months and 65 years, for several coverage features including domiciliary hospitalisation expenses, in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare expenses, ambulance expenses, and alternative treatments. Sum insured options available under the policy range between Rs. 1 lakh and Rs. 3 lakh. To be covered under this policy, no medical test is required if you are aged up to 55 years. 
  2. SBI Arogya Premier Policy: SBI Arogya Premier Policy covers individuals and families against medical expenses. Available for 1 year, 2 years, and 3 years, the policy covers you against domiciliary hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare expenses, in-patient hospitalisation expenses, alternative treatment, and ambulance expenses. The policy comes without any sub-limit and offers you a cumulative bonus of 10% of the sum insured for every claim-free year for up to 50%. People aged between 3 months and 65 years can be covered under this policy for sum insured options of Rs. 1 lakh, Rs. 2 lakh, or Rs. 3 lakh. You can also include your spouse, dependent children, parents, and parents in law under this policy. 
  3. SBI Arogya Top-Up Policy: SBI Arogya Top-Up Policy is a top-up policy that offers you additional coverage when the medical cost exceeds the sum insured of your existing health insurance policy. The policy is available with sum insured options ranging between Rs. 1 lakh to Rs. 50 lakh with a deductible between Rs. 1 lakh and Rs. 10 lakh. It covers you against several medical expenses including daycare expenses, in-patient expenses, pre-hospitalisation and post-hospitalisation expenses. You can buy this policy for a period of 1 year, 2 years, or 3 years and pay the premium accordingly. 
  4. SBI Critical Illness Insurance Policy: SBI Critical Illness Insurance Policy covers you against 13 critical illnesses including aorta graft surgery, open chest CABG, stroke, coma, total blindness, and open heart replacements. The policy is available in two-term options viz., 1 year, and 3 years. You can purchase this policy for sum insured options ranging between Rs. 2 lakh and Rs. 50 lakh as per your requirement. The maximum entry age for this policy is 65 years. 
  5. SBI Hospital Daily Cash Policy: SBI Hospital Daily Cash Policy offers you a fixed benefit for every day during hospitalisation irrespective of the actual medical cost. Thus, it protects you against expenses that are not covered under your health insurance policy such as traveling, food, etc. The policy offers you two coverage options viz., 30 days coverage, and 60 days coverage. You can buy this policy if you are aged between 18 years and 65 years and can also include dependent children aged above 3 months.

What Is a Health Insurance Top-Up Plan and Why Should I Buy It?

A top-up plan is like a regular health insurance plan that plays a role when the sum insured of your regular health insurance plan gets exhausted due to claims made in the previous policy term. A top-up plan is more affordable as compared to a regular health insurance plan and offers you a wide range of sum insured options from which you can choose the one as per your requirement. You can also enjoy tax benefits on the premium paid for top-up insurance policy under Section 80D of the Income Tax Act, 1961.   

SBI Health Insurance offers a top-up plan named Arogya Top-Up Policy that offers you extended coverage against several medical expenses. The policy offers you a wide coverage. Also, you are not required to go through a medical check-up in order to purchase this policy if you are aged up to 55 years. Available with a wide sum insured range between Rs. 1 lakh and Rs. 10 lakh, the policy offers you coverage for in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, etc.   

Why Choose SBI Health Insurance?

SBI Health Insurance is a preferred choice for many due to the following reasons: 

  • More Than 6,000 Network Hospitals: SBI Health Insurance has a strong network of more than 6,000 hospitals where you can avail cashless treatment for the illness, sickness, and diseases covered under your health insurance policy. The process of cashless hospitalisation makes it easier for you to handle the situation in a planned or emergency hospitalisation.   
  • iAAA Rating for “Highest Claim Paying Ability”: ICRA has reaffirmed its iAAA rating to SBI General Insurance indicating highest claim paying ability. This makes the insurer more worthy. 
  • Numerous Awards And Recognitions: SBI General Insurance has won several awards and recognitions, of which Best E-Magazine Award, ET Best BSFI Brands Award 2018, ISO 27001:2013 certification, and Bancassurance Leader Award are a few to name. 
  • Quick Assistance: SBI General Insurance offers a quick assistance for various insurance related queries that keeps the customers at ease. It has a tab for ‘Quick Assistance’ on the website where the customers can download policy, check claim status, check policy details, and locate the network hospitals. 
  • Fast And Transparent Claim Settlement Process: SBI General Insurance offers a quick and transparent claim settlement process. The company claims to have handled claims worth more than Rs. 110 billion until now. 

Benefits of SBI Health Insurance Plans

SBI Health Insurance plans offer you the following benefits:

  • Easy Portability Option: If you are not satisfied with your current insurer or health insurance plan, then at the time of renewal, you can switch to any similar SBI Health Insurance plan. The insurer allows you to continue with SBI Health Insurance plan without losing your policy benefits like waiting period benefit, etc. 
  • Wide Range of Sum Insured Options: SBI Health Insurance plans are available with a wide sum insured range. It starts from as low as Rs. 1 lakh and goes up till Rs. 50 lakh thereby fulfilling varied requirements of different sections of the society. 
  • Lifetime Renewability: SBI Health Insurance plans offer you lifetime renewability benefits. This means you can continue to avail benefits under your health insurance plan for a lifetime provided you pay the required premium before the expiration of your policy.  

SBI Health Insurance Claim Settlement Ratio

Claim Settlement Ratio or CSR is the total number of claims settled by an insurer against the total number of claims received in a financial year. To see the Claim Settlement Ratio of SBI Health Insurance for the financial years 2018 and 2019, refer to the table below: 

Financial Year

Claim Settlement Ratio

FY 2017-2018

                50.12%

FY 2018-2019

                59.42%

(Source: IBAI’s General Insurance Claim Insights Handbook For Policyholders - 3rd & 4th Edition) 

Network Hospitals of SBI Health Insurance

A network hospital is a hospital that a health insurance company has tie-ups with and where the insured can avail cashless treatment as per the terms and conditions of his/her health insurance policy. At network hospitals, the process of getting treated becomes smoother. All the other hospitals that the insurer does not have a tie-up with, are considered non-network hospitals. SBI Health Insurance has a tie-up with more than 6,000 network hospitals where you, as an insured can avail cashless treatment. 

SBI Health Insurance Policy Terms

SBI Health Insurance plans come with the following terms: 

Minimum Entry Age

91 days

Maximum Entry Age

65 years

Policy Renewal

Lifetime renewability offered 

Renewal Premiums

Premiums paid at the time of policy renewal are subject to change without any prior notice.

General Waiting Period

A waiting period of 30 days is applicable starting from the date of issuance of the health insurance policy. Benefits under the policy can only be availed once the waiting period has been completed.   

Note that terms and conditions vary with different SBI Health Insurance plans. 

SBI Health Insurance Claim Process

Under your SBI Health Insurance plans, you can make claims in two ways. These are cashless and reimbursement. Both the processes keep you covered in the case of planned or emergency hospitalisation. 

How To Make A SBI Health Insurance Cashless Claim?

You can make cashless claim under your SBI Health Insurance plans by following the steps given below: 

Step 1: Get Hospitalised
Get hospitalised at a network hospital of your choice, show your health card at the hospital desk and inform the insurer. You can inform the insurer by calling them on their toll-free number 1800221111. You can also SMS ‘CLAIM’ and send it on 561612 or write an email to customer.care@sbigeneral.in mentioning your details to get your claim number.  

Step 2: Submit a Cashless Claim Request Form
Submit the duly filled cashless claim form to SBI Health Insurance.  

Step 3: Document Verification
Your documents will be verified by the insurer.

Step 4: Claim Settlement
The insurer will settle the medical bills at the hospital if your claim is in accordance with the terms and conditions of your health insurance policy.  

How To Make A SBI Health Reimbursement Claim?

You can make reimbursement claim under your SBI Health Insurance plans by following the steps given below: 

Step 1: Get Hospitalised
Get hospitalised at a non-network hospital as per your convenience. Avail the treatment required and inform the insurer. 

Step 2: Settle Bills at the Hospital
Settle the bills related to the treatment availed at the hospital. 

Step 3: Collect Relevant Documents from the Hospital
Collect all the documents related to your treatment at the hospital for the claim processing. 

Documents Required for Reimbursement Claim Settlement 

  • You are required to submit the following documents for reimbursement claim settlement under your SBI Health Insurance policy: 
  • Original medical bills, discharge certificate from the hospital
  • Duly filled claim form
  • Prescriptions
  • Advanced and final receipts
  • Original bills and receipts to make claim for ambulance expenses
  • Medical history of summary of the discharged individual

Step 4: Claim Settlement
The insurer will pay you for the expenses incurred on the treatment availed as per the terms and conditions of your health insurance policy. 

SBI Health Insurance Renewal Process

Health insurance renewal is an important process that requires you to pay the premium after your policy term gets over. It allows you to continue availing benefits under your health insurance policy. You can add additional benefits under your policy at the time of renewal. SBI Health Insurance offers an online renewal facility. To renew your SBI Health Insurance policy, follow the steps given below: 

Step 1: Visit the official website of SBI Health Insurance and click on the ‘Renew Policy’ tab. 
Step 2: In the section for health insurance, select the health insurance policy from the drop-down menu you want to renew.  
Step 3: Enter your Policy Number and click on ‘Get Quote’. 
Step 4: Select the most suitable quote from the ones displayed on your screen.  
Step 5: Pay the renewal premium online in any mode offered by the insurer. 

SBI Health Insurance Tax Benefits

Premiums paid for SBI Health Insurance plans are subject to tax deductions under Section 80D of the Income Tax Act, 1961. You can avail tax benefits every year for the premium paid under SBI Health Insurance plans. As per the rules and regulations set by the government, the senior citizens can avail of greater tax benefits as compared to the younger generation. To understand the tax deductions clearly, refer to the table below:   

Situations

Premium Paid

Deduction under Section 80D of the Income Tax Act

Self, Family, Children

Parents

When the policyholder as well as parents are less than 60 years of age

Rs. 25,000

Rs. 25,000

Rs. 50,000

When the policyholder and family members are aged below 60 years with parents aged over 60 years

Rs. 25,000

Rs. 50,000

Rs. 75,000

When the policyholder, family members, and parents are aged more than 60 years 

Rs. 50,000

Rs. 50,000

Rs. 1,00,000

Members of the Hindu Undivided Family

Rs. 25,000

Rs. 25,000

Rs. 25,000

Non-Resident Individuals 

Rs. 25,000

Rs. 25,000

Rs. 25,000

SBI Health Insurance Premium Calculation

Health insurance premium is the amount that you are required to pay to the insurance company or a broker like InsuranceDekho in order to avail benefits under health insurance plan. To avail benefits under SBI Health Insurance plans, you are required to health insurance premium in Indian currency only. You can pay the premium after every 1 year, 2 years, or 3 years, depending on the policy term opted for. 
Health insurance premiums differ from plan to plan offered by SBI Health Insurance. Listed below are the factors that may increase or decrease the health insurance premium you will be required to pay for any SBI Health Insurance plan:

  • Age: Age is an important factor that affects the health insurance premium that you will be required to pay for a SBI Health Insurance plan. Young people have fewer medical complications in comparison to elderly people. So, the younger you are, the fewer the chances of you making health insurance claims are and hence, health insurance plans will be more affordable for you. Therefore, it is recommended to purchase a health insurance plan as early as possible in life.
  • Smoking Habits: People who smoke regularly are at higher health risks than people who do not. And you will be more likely to make a claim under your health insurance plan because of several medical conditions resulting due to smoking. This is why, you will be required to pay a higher premium for SBI Health insurance plan if you are a smoker and vice versa. 
  • Sum Insured: Sum insured is the maximum value that an insurer pays in case you get hospitalised during a policy term. Higher the sum insured you chose, higher your coverage will be and hence higher the health insurance premium you will be required to pay for your SBI Health Insurance plan. But as higher sum insured means higher coverage, you should not compromise with it in order to reduce your health insurance premium.   
  • Pre-Existing Diseases: You will be required to pay a higher premium for SBI Health Insurance plan if you are suffering from a disease(s) at the time of purchasing it. This is because people with pre-existing diseases are more likely to make claim(s) thereby increasing the liability for the insurance company. 
  • Body Mass Index: If you have a higher Body Mass Index than normal, then you will be more prone to health issues and hence, will be required to pay higher health insurance premiums for SBI Health Insurance plans. 

What All Is Covered Under SBI Health Insurance Plans?

SBI Health Insurance plans offer you a wide coverage. Some common coverage features offered under the plans are as follows:

  • Daycare Procedures: Daycare procedures are those medical treatments which require less than 24 hours of hospitalisation. These include radiation, dialysis, chemotherapy, tonsillectomy, and lithotripsy. SBI Health Insurance plans offer you protection against daycare procedures. 
  • Domiciliary Hospitalisation Expenses: Domiciliary hospitalisation is when the patient avails treatment at home due to a lack of accommodation at the hospital. SBI Health Insurance plans offer you cover for expenses related to domiciliary hospitalisation if availed for at least 3 days.  
  • Pre-Hospitalisation and Post-Hospitalisation Expenses: Pre-hospitalisation and post-hospitalisation expenses are those which are incurred before and after a treatment that requires hospitalisation. These expenses include doctor’s consultation fee, test reports such as x-ray, CT scans, and medicines. SBI Health Insurance plans offer you protection from such expenses. 
  • Road Ambulance Cover: SBI Health Insurance plans cover you against expenses incurred on the transportation of the insured to the hospital in case of an emergency. The road ambulance has all the facilities necessary during transportation.     
  • In-Patient Hospitalisation Expenses: In-patient hospitalisation expenses are those which are incurred during hospitalisation for at least 24 hours. These include expenses related to room, blood, oxygen, anesthesia, doctor’s fee, ICU/ICCU, operation theatre, etc. SBI Health Insurance plans protect you for in-patient hospitalisation expenses.  

What All Is Not Covered Under SBI Health Insurance Plans?

SBI Health Insurance plans do not cover you against the following expenses:

  • Experimental or Unproven Treatments: SBI Health Insurance plans do not cover you for medical treatments that are experimental in nature or are unproven.   
  • Injuries Related to Adventure Sports: SBI Health Insurance plans do not cover you against any injury arising due to participation in adventure sports like paragliding, etc. 
  • Treatment Taken Outside India: SBI Health Insurance plans do not cover you for treatments taken outside the geographical boundaries of India. 
  • Pre-Existing Diseases up to Waiting Period: Pre-existing diseases are those diseases or illnesses which the insured was already affected by at the time of purchasing a health insurance policy. SBI Health Insurance plans do not cover you against pre-existing diseases until the waiting period is completed. 
  • Injuries Resulting Due to Self-Harm: SBI Health Insurance plans do not offer cover for injuries arising due to any activity with the intention of self-harm. For instance, an attempt of suicide remains an exclusion under SBI Health Insurance plans. 

Note that inclusions and exclusions vary with different health insurance plans offered by SBI Health Insurance. 

SBI Health Insurance Plan List

Name of PlanSum Insured
Arogya Premier PolicyMin: 3 Months; Max: 65 Years10 Lakh Get Quotes Now
Arogya Plus PolicyMin: 3 Months; Max: 65 Years1 Lakh Get Quotes Now
Critical Illness Insurance PolicyMin: 18 Years; Max: 65 Years2 Lakh Get Quotes Now
Hospital Daily CashMin: 90 Days; Max: 65 Years500/day Get Quotes Now
Health Insurance Policy-RetailMin: 3 Months; Max: 65 Years50 Thousand Get Quotes Now
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Get Quotes Now
Corona Kavach PolicyMin: 1 Day; Max; 65 Years50,000 - 5 lakh Get Quotes Now

SBI Health Insurance Top Up List

Name of PlanSum Insured
Arogya Top up PolicyMin: 3 Months; Max: 65 Years1 Lakh Get Quotes Now

Claim Process at SBI Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

918 SBI General Insurance Cashless Network Hospitals in India

SBI Health Insurance User Reviews

  • Good policy

    I purchased SBI General Arogya Sanjeevani Policy last month from InsuranceDekho but was unable to understand a few things from the policy wording so I...

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    R
    Ragini Chopra
    On: Jun 17, 2020 | Views
  • Easy to buy online

    I contacted the customer care executive of InsuranceDekho to purchase SBI General Arogya Sanjeevani Policy from them. It was a very smooth process as ...

    Read More
    R
    Rohit Pahwa
    On: Jun 17, 2020 | Views
  • Great benefits under the policy

    Under my SBI General Arogya Sanjeevani Policy that I purchased from InsuranceDekho, I get many benefits such as cover for in-patient hospitalisation e...

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    D
    Disha Chadha
    On: Jun 17, 2020 | Views
  • Wide sum insured options

    I purchased SBI General Arogya Sanjeevani Policy from InsuranceDekho and chose the sum insured option of Rs. 2 lakh as the policy only covers me. It i...

    Read More
    A
    Amit Bansal
    On: Jun 16, 2020 | Views
  • Helpful executives at InsuranceDekho

    I called InsuranceDekho 2-3 times just to understand my SBI General Arogya Sanjeevani  Policy features clearly. But the customer care executives ...

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    D
    Debojit Sinha
    On: Jun 16, 2020 | Views
  • Got cashless treatment

    I made a claim last month under my SBI General Insurance Arogya Premier Policy. The process was smooth and I received the response for my approval wit...

    Read More
    V
    Vishnu Dutt
    On: Jun 03, 2020 | Views
  • Easy to understand plans

    I bought SBI General Arogya Sanjeevani Policy from InsuranceDekho last week for my family. The plan was very easy to understand. It covers me against ...

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    G
    Gopul Jindal
    On: Jun 01, 2020 | Views
  • Affordable Plans

    Highly satisfied by purchasing SBI General Insurance for myself without any additional cost at a affordable premium.  

    R
    Rohitash Sharma
    On: May 29, 2020 | Views
  • Trustworthy insurer

    I chose to buy Arogya Plus policy by SBI General Insurance because I trust the insurer and I was getting many benefits under this policy. The claim pr...

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    K
    Kamya Vaish
    On: May 27, 2020 | Views
  • Smooth process!

    It is really easy to buy health insurance plans from InsuranceDekho online. One must not involve agents and must rely on the online process only. It w...

    Read More
    J
    Jasmine Khurana
    On: Apr 12, 2020 | Views

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SBI Health Insurance FAQs

  • Why should I invest in health insurance policy from SBI General Insurance?

    SBI General Insurance is a great option to buy a health insurance policy. The insurer not only ensures financial protection of an individual, but an entire family and provides them with the much-desired peace of mind. By investing in SBI General health insurance policy, you can benefit from wide health coverage, direct & hassle-free claim settlement, lifetime policy renewal and numerous other benefits. Overall, you won’t be disappointed with SBI General Health Insurance in any which way.

     

  • How can I buy and apply for SBI General health insurance policy?

    SBI General health insurance policy is easy to apply and buy online. You can either visit the official website of SBI General Insurance or InsuranceDekho to apply and purchase the SBI General's health insurance policy that suits your specific needs the best.

     

  • Which health insurance policies does SBI General Insurance provide?

    SBI General Insurance, under its health insurance category, offers Arogya Premier Policy, Arogya Plus Policy, Arogya Top Up Policy, Group Health Insurance Policy, Critical Illness Insurance Policy, and Hospital Daily Cash.  

  • Does SBI General Insurance provide critical illness cover?

    Yes! SBI General Insurance provides critical illness cover for 13 critical illnesses under its Critical Illness Insurance Policy.

  • What is the Claim Settlement Ratio of SBI General Insurance?

    The claim settlement ratio of SBI General Insurance for the year ended March 31, 2018 is 50.12%.

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